Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Thinking about getting a home warranty? One of our top home warranty providers can help. For many, buying a home is a huge, thrilling stage in their lives, but homeownership comes with new responsibilities, such as maintaining your home. Those costs can quickly add up, especially if you have an older house or appliances.
A home warranty policy can help protect you by covering major repairs and replacements on your home's appliances and systems. Since the home warranty market has a variety of providers — all with different price points — the Today's Homeowner team did the research for you to help you find the best home warranty in Wheat Ridge.
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty is the best overall home warranty in Wheat Ridge. The 2 plans from Choice are easy to understand and offer a mix of both system and appliance coverage. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage limits come out to about $3,000 for each covered appliance or system.
For a more detailed breakdown, read our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In Wheat Ridge, Select Home Warranty is the most cost-effective home warranty. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process quick and easy.
Select Home Warranty offers 3 plans for Wheat Ridge homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is lower than other providers in the Wheat Ridge area.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, read our review of Select Home Warranty.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
In Wheat Ridge, American Home Shield offers the most customizable home warranty. The 3 plans from AHS are comprehensive and offer both system and appliance coverage. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. To read more, visit our full review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
In Wheat Ridge, The Home Service Club is the best home warranty with the quickest service. HSC has been operating for around 15 years, making it a well-regarded company in the industry. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000 at the maximum.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For more information, read our The Home Service Club full review.
Standard Coverage Plan
Comprehensive Coverage Plan
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
In Wheat Ridge, Liberty Home Guard is the most trustworthy home warranty. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 home warranty plans that Liberty offers include options for appliance and system coverage.
Liberty Home Guard offers 3 plans for Wheat Ridge homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also typically around $3,000.
To read more, visit our review of Liberty Home Guard. To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In Wheat Ridge, First American Home Warranty is the best home warranty for appliance coverage. First American has been in the home warranty business for around 39 years. First American offers very affordable and comprehensive appliance coverage. Plus, it also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. First American has 2 simple plans, making the selection process quick and easy.
First American Home Warranty offers 2 plans for Wheat Ridge homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read more by visiting our First American Home Warranty Review.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services offers the home warranty with the best workmanship guarantee in Wheat Ridge. Cinch has over 44 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. Cinch has 3 plans for you to decide between. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Wheat Ridge homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Cinch's service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 per covered system or appliance.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our thorough review of Cinch Home Services to learn more.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,443 |
| Heating | $4,295 |
| Electrical | $644 |
| Toilets | $537 |
| Washer/Dryer | $859 |
| Plumbing | $644 |
| Oven | $1,718 |
| Fridge | $644 |
A home warranty is a coverage plan that helps homeowners cut back on the high costs of appliance and systems repairs. Home warranties will provide coverage for a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty can make it easier to budget and manage your finances. A home warranty plan generally has a 30-day waiting period from the time you purchase to when you can start using it.
For Wheat Ridge homeowners, it is very straightforward to file a claim when a problem arises with a covered appliance or system. Most home warranty providers have an online portal where a claim can be filed.
Once you file the claim, it will be assigned to a local technician that will come to your home and take a look at the issue. At this point, you pay the service fee. Service fees usually range in price from around $60 to $150 and this is the only out-of-pocket expense you will need to pay unless the repair cost is higher than your home warranty's coverage cap.
A home warranty will cover systems and appliances that have stopped working from normal wear and tear. For instance, if your washing machine suddenly needs repairs under normal use conditions, this is a perfect time to call your home warranty company. Appliances covered under a home warranty plan are typically the microwave, refrigerator, dryer, garbage disposal, dishwasher, and more. Systems that are covered include air conditioning, heating, electrical systems, and plumbing.
Add-on coverage will vary from one plan to another, but you can expect to see things like pools, sump pumps, roof leaks, spas, central vacuums, and electronics.
Wheat Ridge homeowners should know that a home warranty will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like pre-existing conditions, natural disasters, misuse of a system or appliance, or cosmetic issues. You need to keep up with preventative maintenance on your home systems and appliances to make sure that your next repair or replacement-related problem will be covered by the policy.
Since temperatures in Wheat Ridge can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty policy can help homeowners save money if one of these systems or appliances stops working suddenly.
Not only does a home warranty give you some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a technician and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most.
There are also some negatives to buying a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another downside is that home warranties may exclude some repairs, such as those needed because of natural disasters. For example, if your house floods, the impacted systems and appliances probably won't be covered by the home warranty.
Now that you're ready to get a home warranty, the first step is figuring out what appliances and systems you need coverage for. From there, you can compare plans and call different home warranty companies for a free quote. Below is a list of factors that you'll want to take into consideration when picking a home warranty provider:
The best home warranty provider in Wheat Ridge is Choice Home Warranty. Choice Home Warranty has an expansive network of professional repair technicians and a respected reputation in the Wheat Ridge area.
First-time homebuyers, home sellers, landlords, homeowners, and real estate agents are all eligible for home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
The different home warranties in Wheat Ridge are plans that cover either appliances or systems and a combination plan. A combination plan will cover almost all your home systems and appliances, like your refrigerator, washing machine, and plumbing. An appliance or systems only plan will cover the specific systems or appliances mentioned in the contract.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan annually, which can be good in Wheat Ridge for some protection against something like your heater or A.C. needing repairs when you require it the most.
Many homeowners feel like a home warranty is worth the money because it helps protect against unforeseen expenses, and saving money is important with the cost of living going up a lot in Wheat Ridge. If you're worried about your budget and home maintenance, getting a home warranty can help. One of the big pluses of a home warranty is that it can give you some financial peace of mind.
A home warranty policy can cost on average around $300 to $800 a year in Wheat Ridge. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's typically less expensive to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best price is.
A home warranty plan will cover repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and usually don't cover something that happened as a result of a pre-existing condition.
